Corpay, Inc. CPAY
Technology · Software - Infrastructure · United States · S&P 500
Based on the available data, Corpay, Inc. gets an algorithmic score of 64/100. It trades at 392.70 $, with a bullish technical trend (RSI 41.8) and 36.8% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (29.2%): generates strong profit on equity.
- High net margin (22.7%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (5.0%).
Weaknesses
- High leverage (debt/equity 275%): rate-sensitive.
Fundamentals
| P/E | 24.09 |
| Forward P/E | 12.49 |
| PEG | 0.75 |
| P/B | 7.28 |
| EV/EBITDA | 12.04 |
| P/S | 5.14 |
| ROE % | 29.22 |
| ROA % | 6.32 |
| Gross margin % | 80.54 |
| Operating margin % | 46.92 |
| Net margin % | 22.72 |
| Revenue growth % (y/y) | 21.50 |
| Earnings growth % (y/y) | -7.00 |
| Revenue CAGR % | 9.73 |
| Earnings CAGR % | 3.88 |
| Debt/Equity % | 275.29 |
| Current ratio | 0.97 |
| FCF yield % | 5.04 |
| Dividend yield % | 0.00 |
| Payout % | 0.00 |
Returns
| 1 month | -3.7 % |
| 3 months | +17.8 % |
| 6 months | +35.2 % |
| YTD | +30.6 % |
| 1 year | +32.4 % |
| 3 years | +45.5 % |
| 5 years | +55.6 % |
Risk
| 1-year volatility | 36.8 % |
| Beta | 1.18 |
| 5-year max drawdown | -41.6 % |
| Sharpe 1A | 0.83 |
Macroeconomic context
Highly sensitive to interest rates (valued on future cash flows): rate cuts and falling bond yields help it. It depends on the corporate investment cycle (AI/cloud capex), the semiconductor supply chain (Taiwan/China) and the dollar (foreign revenue). As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.